Bad credit?
?kels? asked:
Okay, i lost my social security card and now im afraid someone has it and will ruin my perfect credit. Is there anything to do or am i screwed?
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Okay, i lost my social security card and now im afraid someone has it and will ruin my perfect credit. Is there anything to do or am i screwed?
March 13th, 2010 at 1:52 am
Keep an eye on your credit so that you can catch something right away. You can check your credit for free on annualcreditreport.com. You get one free credit report from each agency once a year. I would check with the social security office to see if you can get a different number. What
March 14th, 2010 at 5:16 am
If you are concerned about identity theft, you can buy insurance for this specific peril. Also, you can obtain a no charge copy of your credit report once per year. See sites below Billie H
March 15th, 2010 at 1:28 pm
request your credit report (you are entitled to one per agency per year) and check it with a fine tooth comb. Make sure you keep it up to date and if you see anything unusual contact the agency immediately twosey
March 16th, 2010 at 4:43 pm
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved onarrange loans or other finance, and usually means you will pay more interest on any loan you take out. Banker B
March 17th, 2010 at 4:30 am
You need to put a fraud alert on your credit and bank accounts ASAP pike
March 17th, 2010 at 9:30 am
You’ll have to do fast. Depending where you live, visit or your Police Department and your bank. They’ll tell you what to do in your jurisdiction. jamesPurple
March 19th, 2010 at 2:32 pm
One of the fastest ways to get cash with bad credit, and little hassle, would be with a payday loan. Yes they have terrible interest rates but they are taking a risk. This site offers more details about the payday loans as well as various sites offering the loans, many without even a credit check. Do your homework. Best starting point is here:
Good luck. BarbaraP
March 22nd, 2010 at 1:57 am
The first thing you will need to do is call the three major credit reporting agencies and request a free copy of your credit report.
Then once you get those in the mail (7-10 days) there will be a dispute form attached to the reports. Fill those out for every negative account on your report regardless. Fax, mail go online whatever it takes to get those submitted as quickly as possible. Then those companies must answer your dispute within 30 days or it is removed from your credit report completely. So that will eliminate some things, hopefully.
Good Luck! Miss Know It All
March 22nd, 2010 at 9:53 am
Yes you contact the ss office, and they will put a red flag on your number. This way they contact you when ever your number gets ran, to make sure its you. saldate4
March 24th, 2010 at 5:34 pm
alert the credit bureaus Theresa M
March 27th, 2010 at 1:22 pm
It depends on how bad you want to protect your perfect credit history. My personal recommendations are these:
1. Put a fraud alert on your account on the three credit bureaus and this entails passwords and telephone number for them to reach by phone should there be any new accounts being applied for.
-In doing this , it makes it near impossible for any one to make any credit application without you knowing. But the down side is even if it is you that is requesting for credit , you would still be scrutinize and could be hassle. AT LEAST YOU KNOW THE SYSTEM WORKS.
2. Not leaving anything to chance , get copies of your credit report. Some website offer it for free but you could only get 1 or 2 reports per year so you are somewhat vulnerable between those 6 months interval.(Depending if you put a fraud alert on your account.
- A more proactive approach is by subscribing to either one of the three credit bureaus where you could check your account any time you want. Experian offer it at $ 9.99 per month ( ).
Everybody knows it is hard and takes a lot of discipline to build a good more a perfect credit history but so easy to mess it up. So what i would suggest is follow Step 1 and Step 2 (the proactive one heck even from the 3 credit bureaus for a perfect credit history why not).
Stay on top of it and GOOD LUCK. Ron
March 28th, 2010 at 1:04 pm
You should call Social Security and tell them. They’ll tell you what to do to protect yourself. Also call the three credit bureaus and let them know that your social security card has been lost. They can put an alert in your credit file - this will protect your credit.
Good luck. If the shoe fits…
April 1st, 2010 at 12:15 am
You should request an Identity Theft Report to insure you that your personal information is safe, or to warn you that your Identity is being used. An Identity Theft Report is rather similar to a Credit Report, though this contains more indepth information then the Credit Report. It consists of seven sections. The personal Information segment includes your current and past residences, if you do not recognize a loction contact the three bureaus- TransUnion, Experian, and Equifax, and check for any unauthorized financial activity at those addresses. Another segment is the Names Associated with your Personal Identity, which lists the names of all those that you are assoiciated with - family, roommates, and associates etc. The Property Report is another protion which you will find all of your property records, mortgage and sales data. If you don’t recognize a property you should have it investigated. There is also a Neighborhood Report which provides you with information on your current address. As well as a Financial Information section which is a summary of all your finanical information- bank accounts, real estate, credit history. Any unauthorized accounts are a good indication of identity theft. Finally there is an Inquires section which allows you to see who has inquired about your credit. A good indication of identity theft is if you dont recognize a company or a person that is listed.
To learn more about Identity theft reports you can try the article on this site about it:
Also if you want to be precaustious you should monitor your credit report and scores, to notice any changes as soon as they happen. This site will give you more insight on Monitoring your Credit Report: privacymatters123